Merchant Loans

Merchant loans are designed to meet your business’s financial needs. Whether you’re looking to expand, improve operations, invest in growth, or manage day-to-day expenses, merchant loans offer quick, flexible funding options.

What Is a Merchant Loan?

Merchant loans provide fast, revenue-based funding—especially useful for businesses with steady credit card transactions. They offer quick access to cash for expansion, managing cash flow, or addressing seasonal fluctuations.

How Merchant Loans Work

• You receive a lump sum based on anticipated future card sales.
• A set percentage of daily credit card revenue is automatically deducted to repay the loan.
• Repayment continues until the original advance, fees, and commission are fully paid.
• Most loans are repaid within about six months, depending on your sales volume.

You can budget with confidence, as the advance and fees are defined upfront.

Key Features

• Fast funding and approval: Often available within a few days.
• Flexible repayments: Payments adjust with sales volume, easing pressure during slow periods.
• No collateral: Typically unsecured and based on revenue, not assets.
• Revenue-based structure: Repayment scales with business performance.

Why Use a Merchant Loan?

Merchant loans help businesses act quickly on opportunities or cover urgent needs without lengthy approval timelines. They’re ideal for:

• Businesses with high credit card sales (e.g., restaurants, retailers, service providers)
• Companies that may not qualify for traditional bank loans
• Seasonal businesses needing repayment terms that align with revenue

How to Apply

1. Assess your needs: Know how much capital you require.
2. Research lenders: Compare terms, costs, and reputation.
3. Gather documents: Include sales reports, bank statements, and business info.
4. Submit your application: Apply online or directly with your chosen lender.
5. Use the funds: Once approved, allocate the money where it’s needed and follow the repayment schedule.

Are You a Good Fit?

Merchant loans (also known as merchant cash advances) work best for businesses that:

• Have been operating for at least 6 months
• Show consistent monthly sales
• Need fast cash and flexible repayment options

Merchant Loans vs. Traditional Loans

• Application process: Faster and requires fewer documents
• Repayment terms: Adjusts with income, unlike fixed loan payments
• Accessibility: Easier to qualify with less-than-perfect credit

Fast Business Funding Without a Bank

Need cash fast without the bank hassle? Merchant loans let you borrow against future sales. They’re perfect for businesses with fluctuating income, and approval often comes in just a few days. With only basic financial records and steady sales, you could qualify quickly.

Next Steps

If traditional loans aren’t an option and you need funding fast, a merchant loan might be the right solution. Contact Swish Funding today to find out how we can help you grow your business quickly and efficiently.